AFAIK almost every bank in India has now been ordered by the government to use 2 factor authentication. What's more, a specific bank I use has also included an

AFAIK almost every bank in India has now been ordered by the government to use 2 factor authentication. What's more, a specific bank I use has also included an interesting approach against phishing attacks. You are basically assigned an access phrase and access image. They ask you to look at these two things and know what they are. Then, when you visit the site you enter ONLY your username. Once you click submit you're shown your access phrase and access image. If this were a phishing site, there is a high chance that your access phrase and image wouldn't match so you'd know to GTFO. This is followed with a 2 factor authentication. Pretty solid IMHO :)